(before any rebate or insurer discount)
Covers one adult & dependants (2 or more people, only one of whom is an adult)
Available in South Australia
Closed to new members
# You may be entitled to an Australian Government rebate on the above premium. Your premium may also include an insurer discount. Check with your insurer for details.
This policy covers children and other dependants up to and including the age of 20, students up to and including the age of 30, as well as persons with a disability who qualify as a child or other dependant or student in these age ranges.
HBF members have hundreds of participating optical stores nationally to choose from with access to a range of fully covered glasses. See http://www.hbf.com.au/health-insurance/find-a-provider.
| Note, for items marked with an asterisk *: Before a benefit is payable on an eligible Pharmacy item, a co-payment amount reasonably determined by HBF is deducted from the cost of each script. | |||
|---|---|---|---|
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
| General dental | 2 | No annual limit (no limit on preventative dental) | Periodic oral examination - $50.00 Scale & clean - $98.00 Fluoride treatment - $25.00 Surgical tooth extraction - $115.00 |
| Major dental | 12 | $2,250 per person $3,000 lifetime limit (combined limit for major dental, endodontic & orthodontic) | Full crown veneered - $1,037.00 |
| Endodontic | 12 | Filling of one root canal - $188.00 | |
| Orthodontic | 12 | Braces for upper & lower teeth, including removal plus fitting of retainer - 100% of charge | |
| Optical | 2 | $275 per person | Single vision lenses & frames - 100% of charge Multi-focal lenses & frames - 100% of charge |
| Non PBS pharmaceuticals* | 2 | $600 per person | Per eligible prescription - $600.00 |
| Physiotherapy | 2 | $550 per person | Initial visit - $57.00 Subsequent visit - $45.00 |
| Chiropractic | 2 | $550 per person | Initial visit - $54.00 Subsequent visit - $35.00 |
| Podiatry | 2 | $500 per person (combined limit for podiatry & orthotics (podiatric orthoses)) | Initial visit - $50.00 Subsequent visit - $41.00 |
| Psychology | 2 | $600 per person (combined limit for psychology & other services) | Initial visit - $146.00 Subsequent visit - $146.00 |
| Acupuncture | 2 | $400 per person (combined limit for acupuncture, chinese medicine & other services) | Initial visit - $51.00 Subsequent visit - $51.00 |
| Remedial massage | 2 | $400 per person (combined limit for remedial massage & other services) | Initial visit - $42.00 Subsequent visit - $42.00 |
| Hearing aids | 12 | $1800 per person every 3 calendar years | Hearing aid - 75% of charge |
| Blood glucose monitors | 12 | $1,000 per person 1 service(s) every 3 years (combined limit for blood glucose monitors & other services - Sub-limits apply) | Per monitor - 75% of charge |
| Chinese medicine | 2 | Combined limit - see Acupuncture | Initial visit - $51.00 Subsequent visit - $51.00 |
| Dietetics/dietary advice | 2 | $500 per person (combined limit for dietetics/dietary advice & other services) | Initial visit - $78.00 Subsequent visit - $51.00 |
| Exercise physiology | 2 | $500 per person | Initial visit - $45.00 Subsequent visit - $45.00 |
| Eye therapy (orthoptics) | 2 | $500 per person | Initial visit - $49.00 Subsequent visit - $49.00 |
| Health management / Healthy lifestyle | 2 | $300 per person (Sub-limits apply) | Health management - 75% of charge |
| Occupational therapy | 2 | $500 per person | Initial visit - $62.00 Subsequent visit - $51.00 |
| Orthotics (podiatric orthoses) | 12 | Combined limit - see Podiatry | Orthotics supply & fit - 70% of charge |
| Osteopathy | 2 | $550 per person | Initial visit - $54.00 Subsequent visit - $35.00 |
| Speech therapy | 2 | $500 per person | Initial visit - $103.00 Subsequent visit - $61.00 |
| Everyday Extras Top also includes cover for: CLINICAL PSYCHOLOGY (waiting period 2 months, $146 initial visit and $115 subsequent visit up to combined limit - see Psychology); HYPNOTHERAPY (waiting period 2 months, $51 initial and subsequent visit up to combined limit - see Acupuncture); MYOTHERAPY (waiting period 2 months, $42 initial and subsequent visit up to combined limit - see Remedial Massage); Other approved appliances (waiting period 2-12 months, 75% up to combined limit – see Blood glucose monitors, sub-limits apply); NUTRITION (waiting period 2 months, $78 initial visit and $51 subsequent visit up combined limit - see Dietetics/dietary advice). | |||
| Other treatments - check with your insurer |
In South Australia this policy provides:
Emergency: Unlimited with a waiting period of 7 days.
Call-out fees: will be paid for each attendance, including emergency treatment without transport to hospital.
Emergency ambulance provides full cover for emergency treatment and urgent ambulance transport (by road) within Australia by a State Government ambulance provider or an HBF approved ambulance provider. Services not covered include air ambulance services, transport between a public hospital to your home and transport not provided in an ambulance.
The information contained in this Private Health Information Statement was provided by the insurer and is intended as general information. It may not take into account your particular circumstances. For information please contact the insurer.
For information on what is covered under each category, see https://www.privatehealth.gov.au/categories
Restricted categories partially cover your hospital costs as a private patient in a public hospital. You may incur significant expenses in a private room or private hospital.
These categories are not covered by this policy.